Of 2,733 FHA applications reaching a credit decision in this metro in 2025, 587 were formally denied. Small applications (<$150K) were denied at 37.2% vs 19.1% for large ones ($250K+) — a 1.95× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 19.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| Lennar Mortgage, LLC | 119 | 11.8% |
| United Wholesale Mortgage | 185 | 23.2% |
| DHI Mortgage Company, LTD. | 388 | 28.1% |
| ROCKET MORTGAGE | 212 | 31.1% |
A metro average is a tendency, not a rule — and the table above shows why: the same city contains very different doors. If you've been denied, decode the reason first, then pick the next door on the record, not on advertising.
Denied? The Denial Map → All 100 lenders → All 320 metros →